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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,586 | $98,766-70.0% | $149,730-80.2% | $79,852-62.9% |
| Participation rate | 73.6% | 75.8%-2.2pp | 82.5%-8.9pp | 69.6%+3.9pp |
| Annual return | 32.88% | 27.43%+5.5pp | 276.70%-243.8pp | 31.72%+1.2pp |
| Employer contribution / active EE | $1,536 | $3,217-52.2% | $4,645-66.9% | $2,471-37.8% |
| Participant deferral / active EE | $2,607 | $5,681-54.1% | $6,843-61.9% | $3,740-30.3% |
| Admin fee / account holder | $768 | $6,052-87.3% | $9,310-91.8% | $5,306-85.5% |